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Health Insurance Plans for Family

Health insurance plans for family are single cover safeguarding the healthcare needs of your entire family, including your spouse, children, parents, and in-laws. It protects your family savings against hospitalization expenses during emergencies.

  • Avail Annual Health Checkup & Save Tax u/s 80D
  • Coverage for COVID-19 and Alternate treatment
  • Hassle-Free Experience with 95.2% Claim Settlement Ratio
  • Coverage for Modern Treatment like Robotic Surgery, etc

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(Based on Reviews)

19000+

CASHLESS HEALTHCARE PROVIDERS^^

95.2%

INSURANCE CLAIM SETTLEMENT RATIO#

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Get ₹5 Lac Health Cover at ₹542/month^

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CARE (For 10 Lakhs)

rupee ----/mo

(Premium includes 18% GST)

Base Cover

+

Additional Covers

KEY BENEFITS

ADDITIONAL COVERS

NO CLAIM BONUS

Policy Sum Insure increases by 10% for every claim free year. The maximum increase allowed is 50% of policy Sum Insure.

AMBULANCE COVER

Up to rs.2000 per hospitaliztion payable if advised by treating medical practioner.

LIFELONG RENEWABILITY

We like to stay with you all the way. Our option of life long renewability helps yau stay covered for life, provided your policy is renewed on time every year.

SINGLE PRIVATE ROOM

We reimburse the room rent expenses incurred during hospitalization as per the sum Insure chosen by you.

NCB SUPER

You can add additional 50 % increase in Sum Insure for every claim free year. Maximum increase allowed is 100% of policy Sum Insure. Hence with both NCB& NCB SUPER you can increase your Policy Sum Insure upto 150% in 5 consecutive claim free years.

UNLIMITED RECHARGE

Sum insured amount will be re-instated in your policy every time your sum insured exhausts. And this can be availed unlimited number of times.

Co-payment Waiver

If the age of the insured member or eldest insured member is 61 years or above, by opting for this add-on, you can get rid of the 20% co-payment worry. We will pay medical expenses incurred for hospitalization subject to policy terms and conditions.

Copyright. Care Health Insurance (formerly known as Religare Health Insurance Company Limited).

What is a Family Health Insurance?

Family health insurance provides healthcare and financial support to the whole family during unexpected hospitalization and illnesses. With one premium and a common sum insured, a family cover protects every family member’s healthcare needs, including elders. The policy's sum insured acts as a pool of funds for everyone to use. Any insured family member can use the sum insured entirely or partly to pay hospitalization expenses and other medical costs.

Moreover, as and when you plan a family expansion, you get the flexibility to add new members. Also, you can customize health insurance for the family with preferred coverage amounts, optional covers like reduction inPED wait period, unlimited automatic recharge, air ambulance cover, etc.

Cover Highlights

Health Check-Up

Annual health
check-up

Robotic surgery

Robotic surgery

Emergency-Ambulance

Emergency Ambulance

Hospitalization

hospitalization
(more or less than 24 hrs)

Post-Hospitalization

Post-hospitalization
Expenses

Why you Need a Health Insurance Plan for Family

Here's why you cannot afford to live without health insurance plans in India for your family right now-

Quick Tip: Our Care Freedom plan covers medical conditions like Obesity, High Blood Pressure, and Diabetes (Type 1/Type 2).

Care- An Essential Health Insurance for Your Family

The last few years taught us that love, care, and well-planned finances lay the foundations for a healthy family. A big part of well-planned finances is an appropriate health insurance policy for your family. It is an essential shield securing your hard-earned family savings when a medical emergency strikes.

Care Health Insurance presents Health Insurance Plans for Family— a valuable health cover for yourself and your loved ones. Comprehensive coverage, including advanced treatments, day-care procedures, health check-ups, and more, make our family cover a perfect safeguard for yourself, your spouse, children, parents, and in-laws. An affordable premium and easy claim settlement make us the most reliable family insurers across India.
Read on to learn more about how buying medical insurance for your family can save you big on finances, health, and taxes!

Features of Family Health Insurance

See all Sum Insured Options arrow close

KEY FEATURES 5L / 7L / 10L 15L/ 20L/ 25L/ 30L/ 40L 50L/ 60L/ 75L 1Cr/ 2Cr/ 3Cr/ 6Cr
Pre-hospitalization
Covers the relevant medical expenses such as investigative tests, routine medication, etc. incurred by you up to 30 days before your hospitalization.
30 Days 30 Days 30 Days 30 Days
Post-hospitalization
Refers to medical expenses incurred on doctor’s consultation fee, prescribed diagnostics and prescribed medicines 30 days before date of admission and 60 days after date of discharge
60 Days 60 Days 60 Days 60 Days
Day Care Treatment
Covers medical expenses if you undergo a day care treatment which might not require you to stay hospitalized for 24 hours or more. As a matter of fact we cover over 540+ day care procedures.
tick-mark tick-mark tick-mark Upto SI
Room Rent
Covers expenses occurred while you're staying in a hospital. You can also upgrade your single private room should there be a need to and is recommended by a treating doctor.
Single Private Room Single Private Room
(upgradable to next level)
Single Private Room
(upgradable to next level)
Single Private Room
(upgradable to next level)
ICU Charges
Take care of ICU charges incurred during your hospitalization.
No Limit No Limit No Limit No Limit
Doctor Fees, etc. No Limit No Limit No Limit No Limit
Daily Allowance - - - -
Ambulance Cover
In case of an emergency, we reimburse expenses incurred by you for availing a domestic road ambulance during your hospitalization.
Upto Rs.2,000/
Hospitalization
Upto Rs.2,500/
Hospitalization
Upto Rs.3,000/
Hospitalization
Upto Rs.5,000
Domiciliary Hospitalization
In case hospitalization is not possible , then we cover for medical expenses incurred during your treatment at home for a period exceeding 3 consecutive days.
Upto 10% of SI Upto 10% of SI Upto 10% of SI Upto 10% of SI
Annual Health Check-Up
To regularly monitor the health and well being, of each insured member, they get one health check-up in every policy year. We have already identified set of test that are covered under policy and you can book your health check-up appointment by using Care customer mobile app
For All Insured Members For All Insured Members For All Insured Members For All Insured Members
Maternity Cover - - Up to Rs.1,00,000 Up to Rs.2,00,000
Alternative Treatment Up to Rs.20,000 Up to Rs.30,000 Up to Rs.40,000 Up to Rs.50,000
No Claim Bonus##
On renewal we will reward you by increasing your SI by 10% in case no claim is made in a Year before renewal. Maximum increase will not to exceed 50% in policy lifetime. If claim is made No Claim Bonus will be reduced by 10% on renewal. NCB Super is an optional benefit that increases your sum insured amount by 50% every claim-free year, up to a maximum of 100%. You can add NCB Super benefit to your policy by paying a slightly increased premium.
Up to 150% of SI Up to 150% of SI Up to 150% of SI Upto 50% of SI
Organ Donor Cover
Covers the medical expenses that are incurred on treatment of an organ donor while undergoing the organ transplant surgery.
Rs.1,00,000 Rs.2,00,000 Rs.3,00,000 Rs.5,00,000
Second Opinion
If you feel uncertain about your diagnosis, you can opt for a second opinion, arranged by us.
tick-mark tick-mark tick-mark tick-mark
Automatic Recharge of Sum Insured
In case your sum insured is exhausted during long hospitalisation or due to multiple family members being hospitalised at same time, an amount equal to policy sum insured will be automatically added to your policy.
Up to SI Up to SI Up to SI Up to SI
Care Anywhere - - tick-mark -
Vaccination Cover - - tick-mark Up to Rs.10,000 for children up to 18 years of age.
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##No Claim Bonus = upto 50% increase due to No Claim Bonus +upto 100% increase due to No Claim Bonus SUPER( Optoinal Benefit)

Benefits of Buying Care Health Insurance Plans for Family

Even as the world fights a health emergency, medical help keeps costing more. But you can easily choose the best family floater health insurance plan in India, even if your family is large and has older members.

Here are the benefits that make buying health insurance worthwhile:

  • Comprehensive Coverage: Care Health Insurance for families includes more than 19,000 healthcare providers offering a cashless facility. This means you can get the right care for your loved ones at the right time.
  • Stress-free Billing: High tech claim tracking reduces the waiting time during the claim filing process. Our support team assures claim processing within 2 hours approx for a stress-free return to health.
  • Affordable Health Insurance Premium: What's better than saving more with health covers for your complete family? With our medical policy for family, you can insure two or more family members at affordable premium rates.
  • COVID-19 Coverage: We secure your family against COVID-19 variants. The add-on vaccination coverage works to help families get the shot across different places.
  • Advanced Treatments: The advent of advanced treatment has become a boon for the healthcare industry. We enhance your coverage with robotic surgeries and therapies to treat critical illnesses at specialized healthcare centers.
  • Ease of Adding New Members: Your entire family can be covered by one policy. All you need is a sum insured that covers everyone. Adding new members and renewing your policy is easy and convenient.
  • Discounts on Offer: With Care Family health covers, you get year-long discount offers on health insurance policies. Our multi-year tenure option offers special discounts on health policies.
  • Tax Savings: With our mediclaim for family, your family is entitled to claim Section 80D tax deductions, up to Rs 75000, under the Income Tax Act on the premium amount paid for self, family, and parents.

Know about Section 80D tax benefit

Reasons to choose Family Health Insurance

Eligibility Criteria for Family Health Insurance

A family insurance plan offers monetary and healthcare support to all your family members for a payout of a single premium. Below are the details of how many members you can enroll under our family health policy:

Eligibility Criteria Details
Minimum Entry Age Individual- 5 years, Floater- 91 days with at least 1 insured person aged 18 or above
Maximum Entry Age No Upper Age Limit
Exit Age No bar
Maximum Members Covered 6 persons on either Individual or Floater basis
Premium for 4 Members Approx INR 27,000** annual premium for a family of 4 (2 adults + 2 children)

**Premium amount may vary as it depends on many factors like pre-existing diseases, lifestyle, insured members’ age, add-on covers, and more. The mentioned premium is for a family of 4 members (2 adults + 2 children) with the eldest member’ age between 36 to 40 years. Please check the brochure for more details.

Care complete plan details

Add-ons to cover your specific needs

Covid Care With OPD

Covid Care With OPD

Get Covid Care with up to 1% of SI as OPD benefit after Govt. authorized confirmative diagnosis.

See Details
Covid Care

Covid Care

Covers expenses incurred for treatment/quarantine for (COVID-19) with a confirmative diagnosis from Govt. Authorized Centre.

See Details
No Claim Bonus Super

No Claim Bonus Super

You can increase your sum insured amount by 50% for every claim free year up to a maximum of 100%.

See Details
Care Shield

Care Shield

An add-on cover that offers 3 benefits claim shield, no claim bonus shield and inflation shield.

See Details
Reduction in PED Wait Period

Reduction in PED Wait Period

This Optional Cover reduces the applicable PED wait period from 48 months to 24 months.

See Details
OPD-care

OPD Care

An Add-On cover that takes care of expenses incurred on Doctor Consultations, Pharmacy & Investigative Tests.

See Details
Unlimited Automatic Recharge

Unlimited Automatic Recharge

Option to recharge the Sum Insured unlimited times

See Details
Everyday Care

Everyday Care

Get covered up to 2% of your Sum Insured for doctor consultation & diagnostic tests.

See Details
Global Coverage

Global Coverage

Avail hospitalization expenses outside India

See Details
International Second Opinion

International Second Opinion

Covers expenses for consultation from International Medical experts

See Details
Air Ambulance Cover

Air Ambulance Cover

We pay for your necessary ambulance expenses

See Details
Co-payment Waiver

Co-payment Waiver

An Add on cover for 20% Co-payment Waiver

See Details

Health Insurance Family Plans Details

  • Minimum entry age is 91 days.

  • No upper age limit for enrollment.

  • Life long Renewability of policy under the prevailing health insurance product or its nearest substitute approved by IRDAI.

  • Co-payment - While buying or renewing a policy at age 61 years and above, customers will have the choice to include or exclude the co-payment feature that implies -

    • Continuing the policy with 20% co-payment

    • Continuing the policy without 20% co-payment by opting for a waiver benefit.

  • Premium to be paid on renewal and the subsequent continuation of cover are subject to change with prior approval from IRDA.

  • 30 days waiting period for claim for all illnesses, except injury.

  • Grace period of 30 days to renew your policy once it expires.

Download Terms & Conditions
  • Any diagnosis of diseases / undergoing of surgery / occurrence of event, whose signs or symptoms first occur within 30 days of Policy Period Start date.

  • Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide).

  • Expenses arising out of or attributable to alcohol or drug use/misuse/abuse

  • Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences

  • Congenital disease

  • Tests and treatment relating to infertility and in vitro fertilization.

  • War, riot, strike, nuclear weapons induced hospitalization.

For complete list of exclusions please refer to policy TnC

STEP 1

Emergency

Intimate within 24 hours of your hospitalization

Planned Hospitalization

Intimate us 48 hours prior to your hospitalization

STEP 2

Cashless

Request for pre-authorization

Reimbursement

Claim from submission

Complete the pre-authorization form available
at the hospitals insurance/TPA Desk and send us through fax.

Approval

Approval

Approval letter sent by the claim management team

Query

Query

Hospital/Insured to response to the query raised by the claim management team

Rejected

Rejected

You may initiate the treatment and file for reimbursement claim

Submission of claim form along with required
documents, as per the policy terms & conditions

Approval

Approval

Approval letter sent by the claim management team

Query

Query

Insured to response to the query raised by the claim management team

Rejected

Rejected

We will communicate the reason in case of rejection

Discount upto 20% on Health Insurance Premium Discount upto 20% on Health Insurance Premium

19000+HEALTH CARE PROVIDERS SERVE CASHLESS MEDICAL SERVICES ACROSS THE GLOBE

Look for hospitals around you

Detailed Hospital List
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To locate hospitals around you,
ENTER YOUR CITY

Voice of our Customers

Mahendra Kumar

review My wife got a knee injury and hospitalized for a week. Most of the hospitalization expenses were covered under the family floater policy. The claim settlement was quick and hassle-free. Happy with the services.

Narang Sahu

review Good Customer Care Service. Highly recommend it to friends and family.

Ajeet Pai

review I am happy with the Care- Health Policy from Care Health Insurance. I got the call back in just 5 min, and Mr. Rajan was very helpful during the entire buying process. Good Job!

Sulekha Bhardwaj

review My search for the most comprehensive family health insurance ends here. Mr. Rama was very helpful and explained the policy features in detail. Premium is affordable, and we now feel secure! Thanks, Care Health Insurance.

Shaila Gupta

review Recently purchased care -health plan online from the website. It is very much pocket-friendly. Good Customer Service by Nadeem! All questions were answered promptly.
Ankita Sharma

My appreciation for your prompt service

At the outset, I would like to express my appreciation for your prompt service in taking up the case regarding my claim. I have received timely intimation regarding the acceptance of my claim amount settled by you.

Ankita Sharma

Health Insurance

Indubala Nambiar

We will continue to avail of your scheme

Thank you for settling the claim amount. It helped me a lot during my tough time. The process is smooth and hassle-free. I will continue with Care Health Insurance and recommend it to my friends as well.

Indubala Nambiar

Health Insurance

Vikas Singh

Everything went very smooth

I would like to pass on my appreciation for Virender, who guided me during the difficult time. He helped me at every stage and didn't keep me waiting. Due to his efforts, I was relaxed and everything went very smooth.

Vikas Singh

Health Insurance

Sahil Khattar

Really helpful explaining the process in advance

I just wanted to thank you for the exceptional response from you on the recent cashless hospitalization request related to my mother's operation. You were really helpful throughout.

Sahil Khattar

Health Insurance

Aditya Sharma

Finalising my claim in a short period

I must express my profound appreciation for finalising my claim in a short period. I have heard of insurance companies holding payment or rejecting it outright on very flimsy grounds was not the case with Care health insurance, May your tribe grow more

Aditya Sharma

Health Insurance

Zeroing in on a health insurance plan for your family is a tricky choice, given the number of insurers in the market who offer similar policies. It is not wise to simply choose the policy with the lowest amount of premium. You need to compare different policies, their features and benefits. Care Health Insurance (CHI) (formerly known as Religare Health Insurance Company Limited) is a specialist Health Insurer and offers products keeping in mind the needs of a customer in the event of a medical exigency. CHI offers a distinct set of benefits giving a clear choice for providing you with the best possible health insurance.

Awarded

Awarded as Claims
Leader of the year

claims-paid

30 Lakh + Claims Settled^^

cashless-claim

Cashless claim processing
in approx. 2 hours

^^number of claims settled as on February, 2022

Secure Now

What is Covered under Family Health Insurance Plan?

In-patient Hospitalization

In-patient care expenses are incurred when you are hospitalized for more than 24 hours. We pay for your room charges, nurse fees, ICU costs, doctor fees, and other needs to make sure you're completely covered.

30-Day Pre and 60-Day Post Hospitalization

We cover relevant medical expenses such as investigative tests, routine medications, consultation fees, etc., resulting in hospitalization. Tests, medicine, and doctor visits are covered for 30 days before your hospitalization and 60 days after discharge.

Ambulance Cover

We cover all the minor, non-medical expenses, including the transportation charges, to help you focus on a speedy recovery. We shall reimburse the ambulance and transportation charges incurred during any emergency.

Domiciliary Hospitalization

Elderly people might need home care, so we pay for treatment at home according to the policy's terms & conditions. It covers the specified at-home treatment costs.

Day Care Treatments

We cover the cost of more than 540-day care treatments for minor ailments or injuries completed within 24 hours.

Organ Donor Expenses

An organ transplant is a noble decision that saves an insured member's life. The costs of an organ donation are covered up to a certain amount.

AYUSH Treatment

A combination of conventional and modern therapy can sometimes lead to faster recovery. That's why AYUSH is also covered in our family floater policy.

Annual Health Check-up

We value your health, and that's why we provide annual health check-ups for all insured family members. Health checks help track ailments early on.

Ready to Secure your health Ready to Secure your health

How to Choose the Best Family Health Insurance Plan in 2022?

Choosing the right health insurance plan for your family is a smart decision. Look for these features to find the best family health insurance plans in India.

Why Choose Family Health Insurance Online?

Below are the main benefits of buying health insurance online in India:

 

Secure Payment Modes

Secure payment options keep your bank data safe and help you complete the transaction in a few clicks from anywhere, any time.

 

Chat Option & Easy Policy Evaluation

We try to resolve all your queries instantly through our chat service. Also, policy evaluation is easy with our precisely spelled out policy terms.

 

Instant Premium Quote Calculation

Make a calculated buying decision by estimating the premium of your policy online. It will help you plan finances and choose affordable coverage.

 

Convenient Policy Selection

The website lets you compare coverage, choose and pay anywhere at any time. Also, you can access policy documents online for quick verification.

 

Readily Available Value Added Services

It's easy to add benefits such as OPD care, co-payment waivers, and pre-existing diseases while purchasing our health policy for your family online.

If you are anxious about your maternity, we have JOY Maternity Insurance taking care of your precious journey.

How to Buy Medical Insurance for Your Family Online?

Medical costs are always rising, so now is the best time to get healthcare insurance for your whole family. Signing up for one of our family floater plans online is easy.

Here's how:

Your policy information will be sent to the email address you entered. It will include your policy numbers and your e-card. Our representatives are always there to help you, reach out to them anytime.

Here's what you need to know about Copayment and Claim Settlement Ratios in Health Insurance.

FAQs on Family Health Insurance

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Most Frequently Asked Questions

Q.Is There A Cashless Facility With Care-Family Health Plan?

Yes, at any of our in-network hospitals.

Q.Where Can I Buy Health Insurance For My Family?

You can buy Care family cover at the Care Health Insurance site and select a suitable health plan. Once you fill in the required details and choosing the desired sum insured, you can purchase the policy through our secure digital payment modes.

Q.Who Can Be Covered Under A Family Health Insurance Policy?

You can cover Self, Spouse, dependent children and parents.

Q.What Is the Difference Between a family floater and individual health insurance?

Family health insurance covers more than one family member in a single policy. This plan is best for young couples or small families with older parents. It covers them all with a common sum insured. Individual health plans are for people who need a policy for one family member, an older person, or someone very sick.

Q.How Would I Benefit By Buying Health Insurance At A Young Age?

Health insurance premium tends to increase with age - more the age, higher the premium.You can be covered for medical conditions that may be diagnosed over the years provided there is no break in the policy.

In addition, each 'no claim' year would fetch you a discount on your premium or an increase in your sum insured amount at no extra cost. The treatment in case of 'no-claim' bonus varies from company to company.

Lastly, income tax benefit under Section 80 D of the Income Tax Act.

Q.Why Is It Necessary For Me To Disclose My Current Health Status Correctly And Accurately While I Buy A Health Insurance Policy?

Insurance is a contract of utmost good faith. It always pays to be honest. Declaring the correct and accurate health status at the time of buying health insurance ensures smooth processing of your application. This will also help us service you in a better manner.

Q.What Is Beneficial For Me - Floater Insurance Or An Individual Insurance?

Buying an individual cover or a floater cover is an individual's perception. However, as a general rule, at younger ages floater cover is advisable. As you grow older, you should go for an individual cover or better a senior citizen health policy.

Q.How Does A Floater Cover Work?

For instance a person wants a health insurance for himself, his spouse & their children; the Family Floater plan offers insurance coverage to the entire family under one premium payment. Let's take an example wherein the person insures himself, his spouse & the dependent children with the individual insurance plans with a sum insured of Rs. 1 lakh each, he ends up paying premium ranging between Rs. 1000 - Rs. 2000 for each family member. On the other hand if the person would have opted for the family floater plan with the sum insured of Rs. 3 lakhs, the total premium would surely be less than the separate premium payments in individual health insurance plans. Moreover the separate health plan holds the cover of only Rs. 1 lakh as against Rs. 3 lakh in case of the Floater plan thus helping the family in case the medical treatment costs go beyond that. This Rs. 3 Lac is available for each of the family members individually as well as collectively.

Q.What Is A No Claim Bonus?

This concept works on the same lines as the no-claim bonus on your car insurance. A Policyholder, who hasn't made any claim in a year, can use the bonus to their benefit the following year.

Similarly, CARE offers a 10% increase in the policy sum insured for every claim-free year, with no change in premium. So, a policy with a sum insured of Rs 5 lakh, will get an extended cover of Rs 50,000 the following year at the same premium. A claim-free third year will see him earning another ten per cent extra cover on his base sum insured, taking the total to Rs 6 lakh. A maximum bonus of up to 50 per cent is permissible.

In case of claim, the accumulated bonus is reduced by 10%.

Q.How Does The Auto Recharge Work?

We will automatically recharge the sum insured, in case the sum insured and any no claim bonus accumulated is exhausted during the policy year. The sum insured will be recharged once in a policy year. Recharge Sum Insured can be used for future claims and not against an illness/disease (including its complications) for which a claim has already been made in the current policy year.

Q.Do I Need To Undergo A Medical Check-Up While Buying A Health Insurance Policy?

You may be required to undergo a medical check-up after you buy, in case any member to be insured is above 45 age or for sum insured Rs. 15 Lakhs or above. In most of the cases, the medical tests are done in your home, after taking appointment from you. No payment is required upfront for the same. In case the policy is issued, you will not be charged anything. However, if the policy is declined/Canceled, medical charges will be deducted from the refundable premium amount. This will enable us a better understanding of your current and future health requirements. For further details, please refer to the prospectus or call 1800-102-4488 (Toll free).

Q.How Do I Cancel My Family Health Insurance Policy?

We offer a free look period to review your policy terms and conditions. In case you are not satisfied with these, you can request for cancellation of your policy during this period. You will be charged the pro-rated premium for the period during which your policy was in-force, the cost of pre-policy health check-up, if any, and the stamp duty. The balance premium would be refunded.

Also, you can request for cancellation of your policy at any time during the policy period. You will be refunded the premium amount as per the short scale grid. The grid is available in your Policy Terms and Conditions. However, in case you have reported any claim with us, you will not be entitled to any refund of premium on cancellation of the policy.

Q.What Is Co-Payment?

Health Insurance companies use Co-Payment after insured member turns a certain age. Co-pay is that part of your claim amount, which you have to bear. Co-pay can be in % terms or an absolute amount. For example, in case of co-pay of 20% and claim of Rs. 10,000, we will pay you Rs. 8,000 (80% of 10K) and you will bear 20% (Rs. 2,000). In Religare Health Insurance policy there is No Co-payment ever, if insured with us before age of 61.

Q.What Are The Documents Required For Portability?

You can apply for CARE under portability with following documents:

  • CARE proposal form
  • Portability form
  • Copy of expiring health insurance policy
  • Copy of renewal notice

Q.Can I take multiple health insurance policies?

You can get multiple health insurance policies and use the benefits of each. You can select any of these policies to settle the claim, provided the claim payable is up to the sum insured of such a policy. If the claim amount under one policy exceeds the sum insured, you can choose an insurer to settle the claim. If you have selected Care Health Insurance, we will settle your medical expenses, subject to the policy T&C.

Q.Can I increase my sum insured during the policy tenure?

The sum insured can be increased when you renew the policy, subject to the underwriting decision of the company.

Q.Is COVID-19 treatment covered under Care Health Insurance for family?

Yes, Coronavirus treatment is covered under Care health insurance plan for a family. It covers medical expenses related to coronavirus treatment.

Q.Can I add family members to a policy I already have?

You can add family members to an existing policy at the time of renewal.

Q.Can I add my parents to my existing family medical insurance?

You can, but using our senior citizen plan is smarter. Having their own policy will give them a higher benefit. It will also cost less because the price of a family policy is based on the eldest member's age.

Q.What are the shortest and longest policies I can get?

The shortest family floater mediclaim policy is one year. The longest one is three years, but it can be renewed for a lifetime.

Q.Can I change hospitals while being treated?

Yes — subject to the policy terms and conditions.

Q.How can I check the status of my claim?

Go to the claim section of our website and enter your relevant details.

Q.When and Why Does your Family Need Health Insurance?

Ideally, you should buy family insurance before any health emergency knocks at your door. Timely safeguarding your family's health helps you reserve your savings for life's bigger events like buying a car or home. Most importantly, family plans lower your financial burden against India's expensive healthcare treatment costs. Given the pandemic, your family needs appropriate access to quality medical treatments at affordable rates. That's possible only with a suitable family mediclaim.

Disclaimer : Information above is just for reference. Kindly read T & C of policy thoroughly, Do refer IRDAI guidelines for tax exemption conditions.

#IBAI Claims Handbook for FY 19-20

*Features available with additional Add-on ,*NCB will not be lost if claimed amount is less than 25% of SI, Coverage is available in Government Authorized Centre *For detailed list of non-payable items refer Annexure I of policy details

^20% discount is applicable for a 3-year policy and 4 or above insured family members

^Annual premium for product 'Care' and 'Care Shield (add on)' is Rs. 6160/-(excl. GST) for 1 adult falling under the age bracket 05-24 years, 1 Adult 18-24 age group 3 Yr with NCB Super (Add-on).

^^Number of Cashless Healthcare Providers till 25th March 2022

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